Complete Services Provided

Homeowner Insurance

Homeowners insurance is a form of property insurance that covers losses and damages to an individual’s house and to assets in the home.

Elevation Certificate

The National Flood Insurance Program (NFIP) Elevation Certificate (EC) is an administrative tool used by the NFIP.

Alarm Credits

The general safety of your home isn’t the only reason why you should consider installing a burglar alarm. It can help to reduce your home insurance premiums as well.

Risk Management Consultation

Providing advisory on not only conventional insurance but also on topics like self-insurance, claims management, loss prevention, and project advisory.

Flood Insurance

Flood insurance is a type of property insurance that covers a dwelling for losses sustained by water damage, as it specifically relates to flooding.

Automotive Insurance

Auto insurance is a type of insurance coverage that provides financial protection against losses and damages that may occur as a result of owning or operating a motor vehicle.

Mitigation Inspections

Generally, a wind mitigation inspection is needed to determine which credits apply to a home. Homeowners can receive substantial credits for outfitting their homes with windstorm mitigation features that are more resistant to high winds. We have mitigation specialists in our network willing to help you today!

Quick Statistics


Flood Loss Dollars Paid 2017 (Millions)


Flood Policies in Place in U.S (Millions)


Average Flood Claims Payment (Thousands)


Average Flood Insurance Premium (Dollars)

Total of all NFIP Flood Policies are in Florida

Due in Part from Hurricane Irma

Of Households Hit By Hurricane Irma Had Flood Insurance

Out of 3 Million

Of Florida's Flood Risk Households are in South Florida

Between Miami, Broward, and Palm Beach

Of Chronically Flooded Properties in America are in Florida

As many as 145,966 homes in Miami

No hassle wind mitigation

Inspection Services

According to the Florida Division of Emergency Management, 15% - 70% of home insurance premiums in Florida can be attributed to wind-damage risk. While there is an upfront cost involved, outfitting your home with wind mitigation features can result in significant long-term savings.

My Expertise at Your Service

26 Years of Insurance Experience

Doreen L. Malcolm

Doreen L. Malcolm

Owner & Founder

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